BOB Eterna Credit Card Review 2025 – Benefits, Rewards, Lounge Access & Fees
- Anusha Madda
- 2 hours ago
- 5 min read
Now that you mention high-end lifestyle credit cards, balancing between luxury, travel rewards, with factors like affordability, the Bank of Baroda (BOB) Eterna Credit Card would be one credit card that stands tall. It is a card that is aimed at a person who wants to experience all the benefits of a premium credit card without paying a small fortune in yearly charges.
We will deconstruct all the significant facts in this BOB Eterna Credit Card Review 2025 to make sure that you have the most up-to-date insights and can make a decision based on this information, whether to keep it in your wallet this year.
Overview of BOB Eterna Credit Card
The BOB Eterna credit card is a luxurious lifestyle product by the Bank of Baroda Financial (BOB Financial Solutions Limited). It serves people who are fond of shopping, eating, and travelling, and gives them superior rewards and exclusive benefits.
The BOB Eterna is more affordable than other high-end cards with high joining fees but still provides Visa Infinite level benefits such as access to airport lounges, milestone rewards, and a high rate of reward.
Here’s a quick snapshot of the card
BOB Eterna Credit Card Key Features
Welcome benefit:
Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000.
Milestone benefit:
The user will be awarded 10,000 bonus reward points on spending Rs 50,000 within the first 60 days and 20,000 bonus reward points on spending Rs 5,00,000 in a year.
Cashback rate:
A reward point is equal to .25 paise.
Users will receive 3 reward points for every INR 100 spent. General cashback rate: .75%.
5X reward points on dining, travel, and international spending. Cashback rate: 3.75%.
5X rewards are capped at 5,000 reward points per statement cycle in the mentioned categories.
Lounge access:
Unlimited complimentary access to domestic airport lounges.
Other Benefits:
Up to 50 days' interest-free credit period and Golf course benefits.
Fuel Surcharge Waiver
1% of the fuel surcharge was waived on fuel purchases at all petrol/gas stations across India for transactions between ₹400 and ₹5,000. The maximum waiver is capped at ₹250 per statement cycle.
How to Redeem BOB Eterna Reward Points
The reward redemption process in the BOB Eterna credit card is easy and flexible.
Your points can be redeemed in:
Booking of travels - flights, hotels, and packages.
Shopping vouchers - Amazon, Flipkart, Myntra, Croma, and so on.
Cashback - directly deducted from your card statement.
Exclusive merchandise from the BOB Rewards Store
To redeem the points, enter the official BOB Financial Rewards Portal. Register and select a category of your choice.
BOB Eterna Credit Card Fees & Charges
Eligibility & Documentation
The following are the requirements before applying for the BOB Eterna Credit Card
Eligibility:
Age: 21-65 years
Occupation: Professional, Salaried, or Self-employed.
Minimum annual income: Rs 12 lakh.
Indian Resident with valid PAN & Aadhaar
Excellent credit report (ideally 750 and above)
Documents Required:
PAN card and Aadhaar card (KYC)
Proof of income ( recent ITR or salary slip),
Address proof (utility bill, passport, or Aadhaar)
Passport-size photograph
How to apply for a Credit Card
Online Application:
Fill out the online application form with the required details.
E-sign using your Aadhaar.
Verify your identity via Video KYC.
Offline Application (Branch Visit):
If you prefer an offline approach, visit your nearest Bank of Baroda branch. Bring along all the necessary documents. Fill out the physical application form provided by the bank.
BOB Eterna Credit Card vs Other Premium Cards
Verdict: For its fee range, the BOB Eterna Credit Card provides exceptional travel and lifestyle value with better reward rates and lower forex markup than most competitors.
Pros and Cons of BOB Eterna Credit Card
Pros
Very high reward rate (as high as 3.75) on online, dining, and travel.
Free lounge and reduced forex markup.
The annual fee can be easily waived with Rs 2.5 lakh annual expenditure.
Rewards for milestones of big spenders.
Redemption of flexible rewards.
Perfect fit in the high but low-end lifestyle market.
Cons
Income must be high of Rs 12 lakh per annum
No instant cashback (needs to be redeemed) on transactions.
Redeeming fee on rewards of Rs 99 per request.
Final Verdict: Is the BOB Eterna Credit Card Worth It?
Absolutely. BOB Eterna Credit Card is among the most premium credit cards in India at the moment. It is a perfect fit for individuals who spend more on travel, shopping online, and dining, who value reward points and less on cashback.
At a joining fee of Rs 2,499, you are being offered:
Premium Visa Infinite benefits.
High reward rate (up to 3.75%),
Milestone bonuses worth Rs 5,000
Lounge access and low forex markup
The BOB Eterna Credit Card will offer much more than you pay for in case you travel frequently, eat out, or do online shopping.
Frequently asked questions
Is the BOB Eterna Credit Card lifetime free?
No, but the yearly charge of Rs 2,499 is billed with the yearly expenditure of Rs 2.5 lakh or higher, and that is just about lifetime free to ordinary users.
What is the number of reward points that I can get from online shopping?
You receive 15 reward points per Rs 100 online shopping, dining, and travel bookings.
Does the BOB eterna credit card have lounge access?
Yes, 12 free household lounge visits every year, as well as international lounge access with Priority Pass.
Can I use the Eterna card internationally?
Yes, it accommodates international transactions and has a foreign currency markup of 2 percent, which is lower than the market average.
What is the way to check my balance of reward points?
Sign in to your account with BOB Financial or the app to see and redeem your reward points at any time.
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